Credit card travel insurance

[bongaree]

I know this has probably been discussed before but I can't find it.

 

Has anyone made a claim on their travel insurance included in their credit card. We have travelled many times and just gone with this travel insurance but we are wondering how good it would be if we had to make a claim

 

Thanks,

 

Janet

[NSWP]

I know this has probably been discussed before but I can't find it.

 

Has anyone made a claim on their travel insurance included in their credit card. We have travelled many times and just gone with this travel insurance but we are wondering how good it would be if we had to make a claim

 

Thanks,

 

Janet

Janet....we now travel on our ANZ Platinum CC insurance. I got the policy book from the bank, unlimited claim amounts for cancellation and medical. We have not made a claim on it, but many have and they have been reported on here with positive results.

Edited January 11, 2015 by NSWP

[rkmw]

I know this has probably been discussed before but I can't find it.

 

Has anyone made a claim on their travel insurance included in their credit card. We have travelled many times and just gone with this travel insurance but we are wondering how good it would be if we had to make a claim

 

Thanks,

 

Janet

 

we have our gold CC card and the company is Zurich and we had to make a claim just over 12 months ago and they were good but thorough, we only need $500 to go on the card to get cover but the excess is $250

[goodycruising]

We have been looking at how we would go with a cruise that is within Australian waters, as we are going Sydney to Tassie/Adelaide, and we used our credit card to pay for the cruise part of the trip, but have loaded a prepaid card from another institution and were going to use that for the hire car payment.

 

We also have seen good comments from others about the credit card insurance, and a friend that works for our bank says she has had no issues claiming, and she does a lot of travelling.

 

It is all part of the same holiday, so what does the brains trust here think? Should be use our platinum card for the actual car hire to be sure we have the insurance?

 

Does a cruise only in Aussie ports make any difference insurance wise?

[GUT2407]

We have been looking at how we would go with a cruise that is within Australian waters, as we are going Sydney to Tassie/Adelaide, and we used our credit card to pay for the cruise part of the trip, but have loaded a prepaid card from another institution and were going to use that for the hire car payment.

 

We also have seen good comments from others about the credit card insurance, and a friend that works for our bank says she has had no issues claiming, and she does a lot of travelling.

 

It is all part of the same holiday, so what does the brains trust here think? Should be use our platinum card for the actual car hire to be sure we have the insurance?

 

Does a cruise only in Aussie ports make any difference insurance wise?

 

 

I'm not sure what you mean by "Does a cruise only in Aussie ports make any difference insurance wise?" But I'm pretty sure the answer is no, it does make a difference to your premium if you buy insurance, but any medical isn't covered by medicare or your private health insurance so in my opinion is still a must have in that regard, plus if you needed to be medivaced :eek:.

[cruisine21]

We have been looking at how we would go with a cruise that is within Australian waters, as we are going Sydney to Tassie/Adelaide, and we used our credit card to pay for the cruise part of the trip, but have loaded a prepaid card from another institution and were going to use that for the hire car payment.

 

 

 

We also have seen good comments from others about the credit card insurance, and a friend that works for our bank says she has had no issues claiming, and she does a lot of travelling.

 

 

 

It is all part of the same holiday, so what does the brains trust here think? Should be use our platinum card for the actual car hire to be sure we have the insurance?

 

 

 

Does a cruise only in Aussie ports make any difference insurance wise?

 

 

You might want to check to make sure your credit card insurance covers domestic travel. I'm not sure if Australian waters is domestic or international. I know the one I have does not cover domestic.

 

 

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[cheznandy]

We have the ANZ Platinum CC like Les, it states that it does not cover domestic and if a cruise it must have an international port. Cant speak for all CC Travel Insurance, but I think they may all be similar.

It does cover for a domestic flight if connected to an international flight within 24/48 hrs.

 

We did the 3 night Solstice cruise last January and had to take Travel Insurance with One Cover:(

 

Have not had to make a claim yet using our credit card insurance, we need to spend $250 on travel to have cover

 

Chez

xx

Edited January 11, 2015 by cheznandy

[GUT2407]

We have the ANZ Platinum CC like Les, it states that it does not cover domestic and if a cruise it must have an international port. Cant speak for all CC Travel Insurance, but I think they may all be similar.

It does cover for a domestic flight if connected to an international flight within 24/48 hrs.

 

We did the 3 night Solstice cruise last January and had to take Travel Insurance with One Cover:(

 

Have not had to make a claim yet using our credit card insurance, we need to spend $250 on travel to have cover

 

Chez

xx

 

 

G'day Chez

 

Thanks for clearing that up.

[NSWP]

Once you enter an EU country first up, the 'Schengen visa' for applicable passport holders (this includes Australians) goes into your passport, that is for entry to all EU countries. So if you fly into London Heathrow from Australia, your point of entry into the EU is the UK, you have then entered the European Union.

[goodycruising]

Just looking at the document on the NAB website and it talks only about overseas travel. We have previously taken out cover with another insurance company when we cruised Aussie ports last year and I think that was the same issue then. The company we used then mentioned cruises. I will have to pull that paperwork out again and check. I am glad I asked, and sorry I paid for this cruise on the NAB card and paid those stupid fees. I should know better by now. We were only looking at the hire car issue today, and forgot about that little loop hole that has been mentioned here many times. Aaargh! I know I need proper medical cover while on the ship. Going to get a real policy and I really must remember this for Aussie only ports cruising. Aaargh!!!!

 

Oops, delete that last amendment, I was in the Australia Post web page for insurance. They do cover...

 

 

Now I need to find a similar clause in the NAB document.... Nope can't find any mention like this for the credit card insurance.

 

Thank you for your replies brains trust.

Edited January 11, 2015 by goodycruising

[cheznandy]

Goodycruising I found this on a review site.....

 

Beware NAB uses Chubb insrance - always reject your claim

1 out of 5, reviewed on Aug 29, 2014

The NAB travel policy attached to your credit card is not one you want to rely on.

We had a laceration that required sutures whilst travelling on cruise. CHUBB initially rejected the claim as they do not cover medical costs incurred within Australia. The cruise boat travelled into international waters and I was required to obtain several letters from P&O to confirm.

After many emails and letters I was reimbursed less the hefty excess!

Beware - last resort insurance!!!

 

Someone who didn't do their homework:eek: or didn't know about Cruise Critic for info!!

 

Good luck with your findings!!

 

Chez

xx

Edited January 11, 2015 by cheznandy

[cruise love]

I know this has probably been discussed before but I can't find it.

 

Has anyone made a claim on their travel insurance included in their credit card. We have travelled many times and just gone with this travel insurance but we are wondering how good it would be if we had to make a claim

 

Thanks,

 

Janet

 

I have claimed on citibank cc underwriters were Zurich

Had to fly home during a cruise due to death in the family. They paid for the unused part of the cruise and for the flights home. This was from Vietnam.

I have taken out insurance with a seniors insurance for our nest trip to the Pacific islands. My mother who is over 80 had to stick to her citibank insurance coverage

Cruise love

 

 

Sent from my GT-I9100 using Forums mobile app

[goodycruising]

Thanks Chez! We are doing some more searching. I know we looked at this last year and I can't believe I forgot this loophole.

 

Just checked, Nab were through Chartis on the 2011 document, but now the 2014 information booklet they are through QBE. Still not a word in the policy about cruises though, like what the Aust Post has.

 

Another question, hire car excess. I am looking at the rental car website for the excess needed, and they say as per the rental agreement. What? Why is it a secret? I am talking Avis in Australian cities.

Edited January 11, 2015 by goodycruising

[NSWP]

Once you enter an EU country first up, the 'Schengen visa' for applicable passport holders (this includes Australians) goes into your passport, that is for entry to all EU countries. So if you fly into London Heathrow from Australia, your point of entry into the EU is the UK, you have then entered the European Union.

Apologies my friends, I put this post on the wrong thread, silly old fellow I am.

 

But I should say, the ANZ Platinum CC insurance we use only applies to overseas travel, not domestic. Although it does include car rental excess within Australia.

Edited January 11, 2015 by NSWP

[bongaree]

Thank you everyone for your replies.

 

We have a ANZ Platinum and have relied on this for many trips although have not had to make a claim. It is underwritten by QBE. We are cruising to Africa in March and then going to two safari camps and also up to Victoria Falls. We were therefore a little unsure if we should depend on the card insurance.

We will go with the CC insurance as from all we have researched it seems that it is OK.

 

Thanks again,

 

Janet.

[cheznandy]

Apologies my friends, I put this post on the wrong thread, silly old fellow I am.

 

and Les, I thought it was just that you had too many lubberly jubberly reds:p

 

Chez

xx

Edited January 11, 2015 by cheznandy

[goodycruising]

:)

Thank you everyone for your replies.

 

We have a ANZ Platinum and have relied on this for many trips although have not had to make a claim. It is underwritten by QBE. We are cruising to Africa in March and then going to two safari camps and also up to Victoria Falls. We were therefore a little unsure if we should depend on the card insurance.

We will go with the CC insurance as from all we have researched it seems that it is OK.

 

Thanks again,

 

Janet.

 

Sorry to hijack the thread! I feel that if I am going overseas I would be comfortable with the credit card insurance, although never had to make a claim. The lack of negative feedback is always a good sign to me also :)

 

I am not going to trust it for the Aussie Ports cruise, and I have since found more info on the Aust Post site with a page just about cruising. Happy now.... http://auspost.com.au/travel-id/cruise-travel-insurance.html

[jland]

In 2010 we went on a cruise using CBA credit card insurance. I will cut a long story very short, half way throught the cruise my husband suffered heart failure and he was in hospital in Japan.

 

We put our claim in to Zurich in October, for approx $25000 and eventually they paid our claim in May.

 

Without our GP, who we have used for years, we would never have got the claim paid.

 

Would we use them again (we cannot as no insurer in oz will insure heart failure even though my husband is fine) no we would not. Because the insurance is free every man and his dog is using it and they are rushed off their feet with claims. In my opinion, the "easy" claims they can deal with, the "harder" claims go into the to hard basket. We would prefer to pay for the insurance, hoping they would have less claims and therefore pay out quicker.

 

As we love to travel and would not travel without travel insurance we now get our insurance from the USA.

 

Hope this helps as its how a company treats the claims which matters. Yes we did get the claim paid and we are lucky that we had the $25000 but it was a long time to wait.

[datone]

We have credit card insurance through our Bank of Queensland Platinum Card which is underwritten by Zurich. Be aware that you are not covered for delays if somebody goes overboard. We found this out a couple of months ago when our Fiji cruise on the Sun Princess was delayed for 24 hours due to a person going overboard. You are covered for delays due to mechanical, weather, etc. but not for this reason.

[The_Big_M]

Oops, delete that last amendment, I was in the Australia Post web page for insurance. They do cover...

 

 

Now I need to find a similar clause in the NAB document.... Nope can't find any mention like this for the credit card insurance.

 

Thank you for your replies brains trust.

 

All the card insurance I've seen does exclude domestic only travel.

 

Note the above does not mean a domestic only cruise is covered with Australia Post. For example, they may put that clause in to say that you are covered while sailing e.g. off Newcastle, but still need to be on an international cruise. (Otherwise it would pretty much make it useless as its otherwise international but they've excluded that part of the travel just because you're local).

 

You'd need to check the rest of the clauses.

[jennyg2610]

My TA says that even if you are sailing from Brisbane to Sydney,as it is still classed as an overseas trip as you may have to divert to international waters for some reason. I think if you are concerned about your cc insurance, ring them and find out for sure. We have used NAB platinum insurance for years but touch wood, never had to make a claim.

 

 

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[goodycruising]

They always go out far enough to open the Casino, so in my opinion we are in international waters, but when it comes to insurance loop holes, if it isn't clearly written it makes me very nervous.

 

For most of the research we did recently, when you say your main travel is Australia, you have no medical cover. If buying insurance it is necessary to nominate overseas travel insurance.

 

I am going to try to get a chance to get something in writing from NAB, and I will let this thread know if I have any results.

 

While some are using different Bank providers on this thread, it has been my understanding the platinum credit facility is provided by Visa or MasterCard and it may be through them that the free travel insurance is then underwritten by whatever other insurer is the main one making the rules. I really don't know the facts, it has just been my interpretation. It seems like the way of business these days, you are always referred to someone else when you need to discuss any issues.

 

When I have paid for my cruise it cost me that pesky 3% overseas company fee on the credit card, as I paid direct to RCI, so I am not getting the insurance actually for "free", as I have paid a fee for that trip, and it is my belief that if I have paid an overseas company for a trip where the casino opens in overseas waters, then I should have overseas travel cover. The duty free shops will not be open on board though. We know that from previous trips. So the trip is classed as Australian domestic and has a GST component apparently.

 

While the TA has the best intentions and seems to be talking logical she is not a representative of the Bank or the insurance company, so when push comes to shove, it means nothing as far as a claim would go. See if you can get the TA to put in writing that you will be covered? Not trying to be nasty, but word of mouth is something we trust, and we probably shouldn't.

Edited January 11, 2015 by goodycruising

[MicCanberra]

We use our ANZ CC insurance for overseas travel and have had several claims honoured without hassle. It only covers overseas travel and therefore does not cover any type of domestic travel, this includes aussie cruises.

I clarified with the insurer what this meant and a cruise only visiting domestic (aussie) ports is a domestic cruise despite visiting international waters for duty free shopping casino, etc. If the cruise visits an international port then it is not classified as a domestic cruise, (Note - Willis island is not considered an international port for insurance purposes.)

 

Check with your insurer as they can vary in policy, but I get separate insurance for domestic cruising.

[vozzie]

I got suckered into a new Amex Card with the promise of free Travel Insurance. Once I read the small print, I found out that the WHOLE holiday ( the moment you leave gome till the moment you arrive back home) must be paid with the card for ANY claim to be made during the holiday.

 

I rang them for clarification and two issues arose. If I drove from my home (in country NSW) to Sydney to get on a cruise I wouldn't be covered for ANY event during the holiday...because I drove myself for part of the holiday, instead of using the Card to get me to Sydney. Also, one of the airlines used during the holiday wouldn't take Amex...so once again, the Insurance is void as part of the trip was not paid with the card.

 

something to be aware of...

[bongaree]

With ANZ you only have to pay $250 of your trip on your credit card. The fee from my TA was 1% so therefore it cost $2.50.